Call reports 2005
FIRST NATIONAL BANK OF WAUCHULA — 2005
What FIRST NATIONAL BANK OF WAUCHULA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 84,751,000 | 81,388,000 | 81,400,000 | 79,312,000 |
| Total loans | 48,109,000 | 49,151,000 | 52,502,000 | 54,609,000 |
| Allowance for loan losses | 515,000 | 520,000 | 520,000 | 550,000 |
| Securities available for sale | 17,565,000 | 18,538,000 | 16,928,000 | 15,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,450,000 | 70,680,000 | 70,477,000 | 68,066,000 |
| Interest-bearing deposits | 57,601,000 | 54,556,000 | 56,603,000 | 54,905,000 |
| Noninterest-bearing deposits | 16,849,000 | 16,124,000 | 13,874,000 | 13,161,000 |
| Equity capital | 9,140,000 | 9,472,000 | 9,634,000 | 9,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,363,000 | 3,610,000 | 4,875,000 |
| Interest expense | 281,000 | 589,000 | 919,000 | 1,282,000 |
| Net interest income | 886,000 | 1,774,000 | 2,691,000 | 3,593,000 |
| Noninterest income | 62,000 | 202,000 | 285,000 | 474,000 |
| Noninterest expense | 646,000 | 1,406,000 | 2,163,000 | 3,055,000 |
| Provision for loan losses | -1,000 | -3,000 | 4,000 | 70,000 |
| Pretax income | 303,000 | 573,000 | 809,000 | 942,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 303,000 | 573,000 | 809,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,264,000 | 9,533,000 | 9,770,000 | 9,903,000 |
| Total capital | 9,779,000 | 10,053,000 | 10,290,000 | 10,453,000 |
| Risk-weighted assets | 47,403,000 | 46,779,000 | 50,204,000 | 51,140,000 |